{"id":60953,"date":"2023-12-08T20:23:35","date_gmt":"2023-12-08T11:23:35","guid":{"rendered":"https:\/\/monolith.law\/cs\/?p=60953"},"modified":"2024-02-01T00:58:36","modified_gmt":"2024-01-31T15:58:36","slug":"exchanging-self-issued-points-and-money-transfer","status":"publish","type":"post","link":"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer","title":{"rendered":"P\u0159esun a v\u00fdm\u011bna vlastn\u00edch bod\u016f a z\u00e1kon o platebn\u00edm styku Japonska (Z\u00e1kon o p\u0159evodu pen\u011bz)"},"content":{"rendered":"\n<p>V p\u0159\u00edpad\u011b webov\u00fdch slu\u017eeb nebo aplikac\u00ed se m\u016f\u017ee st\u00e1t, \u017ee u\u017eivatel\u016fm p\u0159id\u011blujeme &#8220;body&#8221;.<\/p>\n\n\n\n<ul>\n<li>P\u0159\u00edpady, kdy jednodu\u0161e vym\u011bn\u00edme hotovost za body a nech\u00e1me je pou\u017e\u00edvat v r\u00e1mci slu\u017eby nebo aplikace<\/li>\n\n\n\n<li>P\u0159\u00edpady, kdy nech\u00e1me u\u017eivatele nakupovat zbo\u017e\u00ed, slu\u017eby nebo dal\u0161\u00ed polo\u017eky za tyto body<\/li>\n\n\n\n<li>P\u0159\u00edpady, kdy m\u016f\u017ee jeden u\u017eivatel p\u0159edat body jin\u00e9mu u\u017eivateli, tzv. &#8220;hodit minci&#8221;<\/li>\n\n\n\n<li>P\u0159\u00edpady, kdy se body p\u0159esouvaj\u00ed m\u00edsto pen\u011bz mezi u\u017eivateli, nap\u0159\u00edklad v r\u00e1mci tzv. &#8220;slu\u017eby rozd\u011blen\u00ed \u00fa\u010dtu&#8221;<\/li>\n<\/ul>\n\n\n\n<p>A podobn\u011b.<\/p>\n\n\n\n<p>Takov\u00e9 bodov\u00e9 syst\u00e9my umo\u017e\u0148uj\u00ed jednoduch\u00e9 p\u0159esuny &#8220;bod\u016f&#8221; na m\u00edst\u011b &#8220;pen\u011bz&#8221; v r\u00e1mci slu\u017eby nebo aplikace a usnad\u0148uj\u00ed ekonomick\u00e9 aktivity, kter\u00e9 se tradi\u010dn\u011b prov\u00e1d\u011bly za &#8220;pen\u00edze&#8221;. Av\u0161ak z pr\u00e1vn\u00edho hlediska existuj\u00ed ur\u010dit\u00e9 omezen\u00ed a regulace t\u00fdkaj\u00edc\u00ed se vytv\u00e1\u0159en\u00ed t\u011bchto &#8220;bod\u016f&#8221; podniky a jejich pou\u017e\u00edv\u00e1n\u00ed u\u017eivateli.<\/p>\n\n\n\n<p>Obzvl\u00e1\u0161t\u011b problematick\u00e9 je v\u00fdm\u011bna nebo p\u0159esun bod\u016f mezi u\u017eivateli z hlediska z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch. Vysv\u011btl\u00edme, jak jsou tyto \u010dinnosti regulov\u00e1ny a jak jsou interpretov\u00e1ny podle z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Vlastni_bodovy_system_a_%E2%80%9Csmenarenske_obchody%E2%80%9D\" title=\"Vlastn\u00ed bodov\u00fd syst\u00e9m a &#8220;sm\u011bn\u00e1rensk\u00e9 obchody&#8221;\">Vlastn\u00ed bodov\u00fd syst\u00e9m a &#8220;sm\u011bn\u00e1rensk\u00e9 obchody&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Regulace_pravnich_predpisu_v_pripade_%E2%80%9Emenovych_obchodu%E2%80%9C\" title=\"Regulace pr\u00e1vn\u00edch p\u0159edpis\u016f v p\u0159\u00edpad\u011b \u201em\u011bnov\u00fdch obchod\u016f\u201c\">Regulace pr\u00e1vn\u00edch p\u0159edpis\u016f v p\u0159\u00edpad\u011b \u201em\u011bnov\u00fdch obchod\u016f\u201c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Metoda_navrhu_vlastnich_bodu_ktere_nespadaji_do_kategorie_prevodu_penez\" title=\"Metoda n\u00e1vrhu vlastn\u00edch bod\u016f, kter\u00e9 nespadaj\u00ed do kategorie p\u0159evodu pen\u011bz\">Metoda n\u00e1vrhu vlastn\u00edch bod\u016f, kter\u00e9 nespadaj\u00ed do kategorie p\u0159evodu pen\u011bz<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Nemoznost_nakupu_za_hotovost\" title=\"Nemo\u017enost n\u00e1kupu za hotovost\">Nemo\u017enost n\u00e1kupu za hotovost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Odstraneni_primeho_spojeni_mezi_body_a_hotovosti\" title=\"Odstran\u011bn\u00ed p\u0159\u00edm\u00e9ho spojen\u00ed mezi body a hotovost\u00ed\">Odstran\u011bn\u00ed p\u0159\u00edm\u00e9ho spojen\u00ed mezi body a hotovost\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Inkasni_sluzby_pomoci_bodoveho_systemu\" title=\"Inkasn\u00ed slu\u017eby pomoc\u00ed bodov\u00e9ho syst\u00e9mu\">Inkasn\u00ed slu\u017eby pomoc\u00ed bodov\u00e9ho syst\u00e9mu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Upozorneni_1_Overeni_existence_zakladni_smlouvy_atd\" title=\"Upozorn\u011bn\u00ed 1: Ov\u011b\u0159en\u00ed existence z\u00e1kladn\u00ed smlouvy atd.\">Upozorn\u011bn\u00ed 1: Ov\u011b\u0159en\u00ed existence z\u00e1kladn\u00ed smlouvy atd.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Upozorneni_2_Rychla_konverze_bodu_na_hotovost\" title=\"Upozorn\u011bn\u00ed 2: Rychl\u00e1 konverze bod\u016f na hotovost\">Upozorn\u011bn\u00ed 2: Rychl\u00e1 konverze bod\u016f na hotovost<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/exchanging-self-issued-points-and-money-transfer\/#Shrnuti\" title=\"Shrnut\u00ed\">Shrnut\u00ed<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vlastni_bodovy_system_a_%E2%80%9Csmenarenske_obchody%E2%80%9D\"><\/span>Vlastn\u00ed bodov\u00fd syst\u00e9m a &#8220;sm\u011bn\u00e1rensk\u00e9 obchody&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Existuj\u00ed p\u0159\u00edpady, kdy se \u010dinnost, p\u0159i kter\u00e9 u\u017eivatel\u00e9 vym\u011b\u0148uj\u00ed nebo p\u0159esouvaj\u00ed body vyd\u00e1van\u00e9 spole\u010dnost\u00ed, pova\u017euje za &#8220;sm\u011bn\u00e1rensk\u00fd obchod&#8221;. Sm\u011bn\u00e1rensk\u00fd obchod je podle judikatury definov\u00e1n jako:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>P\u0159ijet\u00ed po\u017eadavku od z\u00e1kazn\u00edka na vyu\u017eit\u00ed syst\u00e9mu pro p\u0159esun pen\u011bz <u class=\"remove-format\">bez p\u0159epravy hotovosti<\/u> mezi r\u016fzn\u00fdmi m\u00edsty, nebo p\u0159ijet\u00ed a proveden\u00ed takov\u00e9ho po\u017eadavku.<br><\/p>\n<cite> Nejvy\u0161\u0161\u00ed soud, 12. b\u0159ezen 2001 (Heisei 13) <\/cite><\/blockquote>\n\n\n\n<p>Tedy:<\/p>\n\n\n\n<ul>\n<li>Bez p\u0159epravy hotovosti<\/li>\n\n\n\n<li>Syst\u00e9m pro p\u0159esun pen\u011bz<\/li>\n<\/ul>\n\n\n\n<p>jsou charakteristiky sm\u011bn\u00e1rensk\u00e9ho obchodu. Tak\u017ee, pokud spole\u010dnost nech\u00e1 jednoho u\u017eivatele koupit body, kter\u00e9 sama vyd\u00e1v\u00e1, a poslat je jin\u00e9mu u\u017eivateli, m\u016f\u017ee b\u00fdt interpretov\u00e1no jako &#8220;p\u0159esun pen\u011bz prost\u0159ednictv\u00edm vlastn\u00edho bodov\u00e9ho syst\u00e9mu&#8221;, co\u017e by odpov\u00eddalo definici &#8220;sm\u011bn\u00e1rensk\u00e9ho obchodu&#8221;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulace_pravnich_predpisu_v_pripade_%E2%80%9Emenovych_obchodu%E2%80%9C\"><\/span>Regulace pr\u00e1vn\u00edch p\u0159edpis\u016f v p\u0159\u00edpad\u011b \u201em\u011bnov\u00fdch obchod\u016f\u201c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u010cinnost provozov\u00e1n\u00ed m\u011bnov\u00fdch obchod\u016f (t\u011bch, kter\u00e9 jsou ni\u017e\u0161\u00ed ne\u017e 1 milion jen\u016f) je definov\u00e1na jako \u201ep\u0159evod pen\u011bz\u201c podle japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch (Japanese Funds Settlement Act). A pr\u00e1vn\u00ed p\u0159edpisy ukl\u00e1daj\u00ed p\u0159\u00edsn\u00e9 regulace na tyto p\u0159evody pen\u011bz.<\/p>\n\n\n\n<p>V prvn\u00ed \u0159ad\u011b by m\u011bnov\u00e9 obchody m\u011bly b\u00fdt prov\u00e1d\u011bny bankami. A banky jsou pro u\u017eivatele takov\u00e9 instituce, kter\u00e9 poskytuj\u00ed pocit jistoty, \u017ee \u201epen\u00edze ulo\u017een\u00e9 v bance jsou t\u00e9m\u011b\u0159 stejn\u00e9 jako hotovost\u201c. Bankrot banky je pro u\u017eivatele (spot\u0159ebitele) v\u00e1\u017en\u011bj\u0161\u00ed probl\u00e9m ne\u017e bankrot jedn\u00e9 firmy. Pr\u00e1vn\u00ed p\u0159edpisy, stru\u010dn\u011b \u0159e\u010deno, p\u0159edpokl\u00e1daj\u00ed, \u017ee \u201epokud se stanete instituc\u00ed, kter\u00e1 je pova\u017eov\u00e1na za bezpe\u010dnou pro ulo\u017een\u00ed pen\u011bz, mus\u00edte dodr\u017eovat r\u016fzn\u00e9 regulace stanoven\u00e9 z\u00e1konem\u201c. Tento p\u0159\u00edstup je velmi d\u016fle\u017eit\u00fd p\u0159i zva\u017eov\u00e1n\u00ed \u201ebod\u016f vyd\u00e1van\u00fdch vlastn\u00ed firmou\u201c.<\/p>\n\n\n\n<p>M\u011bnov\u00e9 obchody jsou:<\/p>\n\n\n\n<ol>\n<li>Obecn\u011b bankovn\u00ed \u010dinnost, ale<\/li>\n\n\n\n<li> Pokud je to m\u00e9n\u011b ne\u017e 1 milion jen\u016f, je to \u201ep\u0159evod pen\u011bz\u201c, kter\u00fd nen\u00ed tak t\u011b\u017ek\u00fd jako bankovn\u00ed \u010dinnost, ale je mo\u017en\u00fd pouze pod p\u0159\u00edsn\u00fdmi regulacemi<\/li>\n<\/ol>\n\n\n\n<p>To je z\u00e1kladn\u00ed p\u0159edpoklad.<\/p>\n\n\n\n<p>Pro prov\u00e1d\u011bn\u00ed p\u0159evod\u016f pen\u011bz je nutn\u00e9 z\u00edskat registraci jako poskytovatel p\u0159evod\u016f pen\u011bz, ale pro prov\u00e1d\u011bn\u00ed p\u0159evod\u016f pen\u011bz po z\u00edsk\u00e1n\u00ed t\u00e9to registrace je nutn\u00e9:<\/p>\n\n\n\n<ul>\n<li>M\u00edt finan\u010dn\u00ed z\u00e1kladnu (m\u00edt finan\u010dn\u00ed z\u00e1kladnu, kter\u00e1 je pova\u017eov\u00e1na za nezbytnou pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed p\u0159evod\u016f pen\u011bz)<\/li>\n\n\n\n<li> M\u00edt zaveden\u00fd syst\u00e9m (m\u00edt syst\u00e9m pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed p\u0159evod\u016f pen\u011bz)<\/li>\n\n\n\n<li> Zaji\u0161\u0165ovat 100% nebo v\u00edce \u010d\u00e1stky pen\u011bz, kter\u00e9 jsou v pr\u016fb\u011bhu p\u0159evodu a jsou zadr\u017eeny, jako z\u00e1ruku<\/li>\n<\/ul>\n\n\n\n<p>Existuj\u00ed tak\u00e9 p\u0159\u00edsn\u00e9 regulace. Up\u0159\u00edmn\u011b \u0159e\u010deno, je velmi obt\u00ed\u017en\u00e9, aby zejm\u00e9na startupy tyto syst\u00e9my zavedly a provozovaly. K 30. \u010dervnu 2019 (rok 1 Reiwa) bylo v cel\u00e9m Japonsku zaregistrov\u00e1no pouze 64 poskytovatel\u016f p\u0159evod\u016f pen\u011bz.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2019\/08\/ss-3-1024x648.png\" alt=\"\" class=\"wp-image-3736\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.fsa.go.jp\/menkyo\/menkyoj\/shikin_idou.pdf\">https:\/\/www.fsa.go.jp\/menkyo\/menkyoj\/shikin_idou.pdf<\/a> <\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Metoda_navrhu_vlastnich_bodu_ktere_nespadaji_do_kategorie_prevodu_penez\"><\/span>Metoda n\u00e1vrhu vlastn\u00edch bod\u016f, kter\u00e9 nespadaj\u00ed do kategorie p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tak\u017ee z\u00e1kladn\u00ed ot\u00e1zkou je, &#8220;Jak navrhnout v\u00fdm\u011bnu a p\u0159evod bod\u016f tak, aby nespadaly do kategorie p\u0159evodu pen\u011bz.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nemoznost_nakupu_za_hotovost\"><\/span>Nemo\u017enost n\u00e1kupu za hotovost<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nejjednodu\u0161\u0161\u00edm \u0159e\u0161en\u00edm je, \u017ee m\u00edsto n\u00e1kupu vlastn\u00edch bod\u016f za hotovost, je ud\u011bl\u00e1te body, kter\u00e9 nelze zpen\u011b\u017eit. Jin\u00fdmi slovy, i kdy\u017e mluv\u00edme o vlastn\u00edch bodech, existuj\u00ed<\/p>\n\n\n\n<ul>\n<li>Body, kter\u00e9 jsou p\u0159ed\u00e1ny m\u00edsto platby v hotovosti jako odm\u011bna, kdy\u017e u\u017eivatel provede ur\u010ditou akci<\/li>\n\n\n\n<li> Body, kter\u00e9 u\u017eivatel kupuje za hotovost<\/li>\n<\/ul>\n\n\n\n<p>Pokud jsou body, kter\u00e9 nelze koupit za hotovost, pak i kdy\u017e tyto body p\u0159esunete nebo vym\u011bn\u00edte, nelze \u0159\u00edci, \u017ee jste &#8220;p\u0159esunuli pen\u00edze&#8221;, a nen\u00ed prostor pro devizov\u00e9 obchody. Nap\u0159\u00edklad<\/p>\n\n\n\n<ul>\n<li>Webov\u00e9 slu\u017eby a mobiln\u00ed aplikace, kter\u00e9 u\u017eivatel\u016fm nab\u00edzej\u00ed &#8220;body&#8221; za stahov\u00e1n\u00ed, instalaci nebo pou\u017e\u00edv\u00e1n\u00ed mobiln\u00edch aplikac\u00ed<\/li>\n\n\n\n<li> Webov\u00e9 slu\u017eby, jako jsou e-shopy, kter\u00e9 u\u017eivatel\u016fm nab\u00edzej\u00ed &#8220;body&#8221;, kter\u00e9 lze pou\u017e\u00edt jako slevu p\u0159i dal\u0161\u00edm n\u00e1kupu, kdy\u017e u\u017eivatel\u00e9 nakupuj\u00ed zbo\u017e\u00ed za hotovost<\/li>\n<\/ul>\n\n\n\n<p>V takov\u00fdch p\u0159\u00edpadech neexistuje moment, kdy &#8220;u\u017eivatel kupuje body za hotovost&#8221;. Pokud jsou body vyd\u00e1ny t\u00edmto zp\u016fsobem, i kdy\u017e je p\u0159esunete nebo vym\u011bn\u00edte s jin\u00fdmi u\u017eivateli, tato akce se nevztahuje na &#8220;devizov\u00e9 obchody&#8221;.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2019\/08\/shutterstock_1007302276-1024x683.jpg\" alt=\"\" class=\"wp-image-3765\" \/><figcaption class=\"wp-element-caption\">&#8220;Body&#8221;, kter\u00e9 z\u00edsk\u00e1te instalac\u00ed mobiln\u00ed aplikace, jsou tak\u00e9 p\u0159\u00edkladem vlastn\u00edch bod\u016f, o kter\u00fdch se zde hovo\u0159\u00ed<\/figcaption><\/figure>\n\n\n\n<p>Av\u0161ak, v tomto p\u0159\u00edpad\u011b, jako aplikace nebo webov\u00e1 slu\u017eba, nem\u016f\u017eete vytvo\u0159it &#8220;tr\u017eby&#8221; samotn\u00fdmi body. V p\u0159edchoz\u00edm p\u0159\u00edkladu by tr\u017eby byly<\/p>\n\n\n\n<ul>\n<li>Tr\u017eby z\u00edskan\u00e9 od provozovatel\u016f mobiln\u00edch aplikac\u00ed, kter\u00e9 u\u017eivatele povzbuzuj\u00ed ke stahov\u00e1n\u00ed, jako reklamn\u00ed poplatky<\/li>\n\n\n\n<li> Tr\u017eby z e-shopu<\/li>\n<\/ul>\n\n\n\n<p>Je t\u0159eba vytvo\u0159it obchodn\u00ed model v tomto form\u00e1tu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Odstraneni_primeho_spojeni_mezi_body_a_hotovosti\"><\/span>Odstran\u011bn\u00ed p\u0159\u00edm\u00e9ho spojen\u00ed mezi body a hotovost\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>I kdy\u017e u\u017eivatel\u00e9 kupuj\u00ed body, pokud neexistuje zp\u016fsob, jak tyto body p\u0159ev\u00e9st na hotovost, v\u00fdm\u011bna nebo p\u0159evod bod\u016f mezi u\u017eivateli se nestane &#8220;sm\u011bn\u00e1rnou&#8221;. Co se t\u00fd\u010de &#8220;p\u0159evodu na hotovost&#8221;, stru\u010dn\u011b \u0159e\u010deno,<\/p>\n\n\n\n<p class=\"has-text-align-left has-very-light-gray-background-color has-background\">1 bod je roven \u25cf korun\u00e1m, tak\u017ee 10 bod\u016f je rovno \u25cf korun\u00e1m<\/p>\n\n\n\n<p>Jakmile existuje jasn\u00fd sm\u011bnn\u00fd kurz pro &#8220;body&#8221;, nelze pop\u0159\u00edt, \u017ee tato \u010dinnost je &#8220;p\u0159evodem na hotovost&#8221;. Na druhou stranu, pokud neexistuje kurz, i kdy\u017e nakonec p\u0159ed\u00e1te hotovost, tato platba v hotovosti se t\u011b\u017eko d\u00e1 nazvat &#8220;p\u0159evodem bod\u016f na hotovost&#8221;.<\/p>\n\n\n\n<p>\u0158\u00edk\u00e1 se, \u017ee mnoho syst\u00e9m\u016f &#8220;vrh\u00e1n\u00ed minc\u00ed&#8221; vyu\u017e\u00edv\u00e1 tuto metodu. Jin\u00fdmi slovy, v p\u0159\u00edpad\u011b slu\u017eby, kde nap\u0159\u00edklad idol prov\u00e1d\u00ed vys\u00edl\u00e1n\u00ed videa a u\u017eivatel\u00e9 &#8220;h\u00e1zej\u00ed mince&#8221; na jednotliv\u00e9 idoly, je to n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<ol>\n<li>U\u017eivatel\u00e9 kupuj\u00ed &#8220;body&#8221; za hotovost<\/li>\n\n\n\n<li> U\u017eivatel\u00e9 &#8220;h\u00e1zej\u00ed mince&#8221; na idoly t\u00edm, \u017ee utrat\u00ed &#8220;body&#8221;<\/li>\n\n\n\n<li> Idoly dost\u00e1vaj\u00ed odm\u011bnu podle po\u010dtu bod\u016f, kter\u00e9 na n\u011b byly vynalo\u017eeny, nap\u0159\u00edklad &#8220;idol, kter\u00fd dostal v\u00edce ne\u017e 10 000 bod\u016f za m\u011bs\u00edc, dostane 100 000 korun jako m\u011bs\u00ed\u010dn\u00ed odm\u011bnu&#8221;<\/li>\n<\/ol>\n\n\n\n<p>V tomto syst\u00e9mu, zejm\u00e9na v situaci p\u0159evodu na hotovost, neexistuje jasn\u00fd sm\u011bnn\u00fd kurz (&#8220;1 bod je roven \u25cf korun\u00e1m&#8221;) mezi &#8220;body&#8221; a &#8220;hotovost\u00ed&#8221;. Nap\u0159\u00edklad<\/p>\n\n\n\n<ul>\n<li>\u017d\u00e1dn\u00e1 odm\u011bna, pokud bylo za m\u011bs\u00edc m\u00e9n\u011b ne\u017e 10 000 bod\u016f<\/li>\n\n\n\n<li> Odm\u011bna 100 000 korun, pokud bylo za m\u011bs\u00edc v\u00edce ne\u017e 10 000 bod\u016f<\/li>\n\n\n\n<li> Odm\u011bna 150 000 korun, pokud bylo za m\u011bs\u00edc v\u00edce ne\u017e 20 000 bod\u016f<\/li>\n<\/ul>\n\n\n\n<p>Pokud je odm\u011bna navr\u017eena takto, neexistuje kurz &#8220;kolik stoj\u00ed 1 bod&#8221;, a pen\u00edze, kter\u00e9 idol dostane, jsou v podstat\u011b &#8220;odm\u011bnou za aktivn\u00ed \u010dinnost v z\u00e1vislosti na po\u010dtu z\u00edskan\u00fdch bod\u016f&#8221;. Pokud vyd\u00e1v\u00e1te body pouze t\u00edmto zp\u016fsobem, nen\u00ed t\u0159eba se registrovat jako finan\u010dn\u00ed p\u0159epravce.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Inkasni_sluzby_pomoci_bodoveho_systemu\"><\/span>Inkasn\u00ed slu\u017eby pomoc\u00ed bodov\u00e9ho syst\u00e9mu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jednou z mo\u017enost\u00ed je vyu\u017eit\u00ed bod\u016f p\u0159edev\u0161\u00edm pro \u00fa\u010dely &#8220;inkasn\u00edch slu\u017eeb&#8221;.<\/p>\n\n\n\n<p>Omlouv\u00e1m se za opakov\u00e1n\u00ed, ale hlavn\u00edm d\u016fvodem, pro\u010d z\u00e1kon varuje p\u0159ed devizov\u00fdmi obchody, je to, \u017ee se jedn\u00e1 o &#8220;bankovn\u00ed&#8221; \u010dinnost. Banky nap\u0159\u00edklad<\/p>\n\n\n\n<ul>\n<li>plat\u00ed zam\u011bstnanc\u016fm mzdu za pr\u00e1ci ve firm\u011b,<\/li>\n\n\n\n<li> p\u0159i prodeji mezi jednotlivci plat\u00ed kupuj\u00edc\u00ed prod\u00e1vaj\u00edc\u00edmu,<\/li>\n\n\n\n<li> v restauraci plat\u00ed za n\u011bkoho, kdo zaplatil m\u00edsto v\u00e1s, sv\u016fj d\u00edl.<\/li>\n<\/ul>\n\n\n\n<p>Banky se nezab\u00fdvaj\u00ed p\u0159\u00ed\u010dinami pohybu pen\u011bz, ale pom\u00e1haj\u00ed s p\u0159evodem pen\u011bz mezi jednotlivci a firmami. Pr\u00e1v\u011b proto, \u017ee banky jsou takov\u00e9 instituce, lid\u00e9 jim d\u016fv\u011b\u0159uj\u00ed a vkl\u00e1daj\u00ed do nich zna\u010dnou \u010d\u00e1st sv\u00e9ho majetku pro pohodl\u00ed.<\/p>\n\n\n\n<p>Na druhou stranu, jednoduch\u00fd p\u0159\u00edklad<\/p>\n\n\n\n<p class=\"has-text-align-left has-very-light-gray-background-color has-background\">Kdy\u017e pan A koup\u00ed zbo\u017e\u00ed od pana B, jin\u00e1 spole\u010dnost do\u010dasn\u011b p\u0159evezme pen\u00edze od pana A a doru\u010d\u00ed je panu B<\/p>\n\n\n\n<p>Tato \u010dinnost nen\u00ed &#8220;devizov\u00fd obchod&#8221;. Je to jen inkasn\u00ed slu\u017eba zalo\u017een\u00e1 na p\u016fvodn\u00ed smlouv\u011b (kupn\u00ed smlouv\u011b) a nem\u00e1 pohodl\u00ed a pocit bezpe\u010d\u00ed, kter\u00e9 banky poskytuj\u00ed.<\/p>\n\n\n\n<p>Stejn\u011b tak v p\u0159\u00edpad\u011b bod\u016f vyd\u00e1van\u00fdch vlastn\u00ed firmou, pokud je p\u0159evod t\u011bchto bod\u016f jen inkasn\u00ed slu\u017ebou zalo\u017eenou na jasn\u00e9m p\u016fvodn\u00edm kontraktu pomoc\u00ed bodov\u00e9ho syst\u00e9mu, tato \u010dinnost nen\u00ed &#8220;devizov\u00fd obchod&#8221; a nen\u00ed nutn\u00e1 registrace pro p\u0159evod pen\u011bz.<\/p>\n\n\n\n<p>Av\u0161ak pokud se rozhodnete vyu\u017e\u00edt tuto metodu, existuj\u00ed dv\u011b d\u016fle\u017eit\u00e9 v\u011bci, na kter\u00e9 je t\u0159eba d\u00e1vat pozor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Upozorneni_1_Overeni_existence_zakladni_smlouvy_atd\"><\/span>Upozorn\u011bn\u00ed 1: Ov\u011b\u0159en\u00ed existence z\u00e1kladn\u00ed smlouvy atd.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nap\u0159\u00edklad slu\u017eba &#8220;Mercari&#8221; umo\u017e\u0148uje uzav\u00edr\u00e1n\u00ed kupn\u00edch smluv mezi u\u017eivateli na jejich webov\u00fdch str\u00e1nk\u00e1ch a p\u0159\u00ed\u010dinou p\u0159esunu bod\u016f mezi u\u017eivateli jsou v\u017edy tyto kupn\u00ed smlouvy. V tomto p\u0159\u00edpad\u011b by m\u011blo b\u00fdt dostate\u010dn\u00e9 ov\u011b\u0159en\u00ed existence smlouvy, kter\u00e1 je p\u0159\u00ed\u010dinou p\u0159esunu bod\u016f, a zaji\u0161t\u011bn\u00ed d\u016fkaz\u016f o n\u00ed.<\/p>\n\n\n\n<p>Podobn\u011b, nap\u0159\u00edklad na str\u00e1nk\u00e1ch s ot\u00e1zkami a odpov\u011b\u010fmi (Q&amp;A), p\u0159\u00ed\u010dinou p\u0159esunu bod\u016f mezi u\u017eivateli je v\u017edy &#8220;platba za z\u00edskanou odpov\u011b\u010f (odm\u011bna za smlouvu o poskytnut\u00ed slu\u017eeb?)&#8221;.<\/p>\n\n\n\n<p>A stejn\u011b tak, v p\u0159\u00edpad\u011b takzvan\u00e9 &#8220;aplikace pro d\u011blen\u00ed \u00fa\u010dtu&#8221;, p\u0159\u00ed\u010dinou je v\u017edy &#8220;d\u011blen\u00ed \u00fa\u010dtu za j\u00eddlo pro v\u00edce osob, kter\u00e9 u\u017eivatel, kter\u00fd dost\u00e1v\u00e1 body, zaplatil v restauraci&#8221;. Aplikace pro d\u011blen\u00ed \u00fa\u010dtu &#8220;Paymo&#8221; vy\u017eaduje p\u0159i \u017e\u00e1dosti o d\u011blen\u00ed \u00fa\u010dtu nahr\u00e1n\u00ed \u00fa\u010dtenky.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2019\/08\/ss-1.png\" alt=\"\" class=\"wp-image-3731\" \/><figcaption class=\"wp-element-caption\"> <a href=\"https:\/\/help.paymo.life\/hc\/ja\/articles\/234987888-%E4%BD%95%E3%82%92%E3%81%99%E3%82%8B%E3%81%A8%E3%81%8D%E3%81%AB%E3%83%AC%E3%82%B7%E3%83%BC%E3%83%88%E3%81%8C%E5%BF%85%E8%A6%81%E3%81%AB%E3%81%AA%E3%82%8A%E3%81%BE%E3%81%99%E3%81%8B-\" target=\"_blank\" rel=\"noreferrer noopener\">Kdy je pot\u0159eba \u00fa\u010dtenka? \u2013 | Centrum n\u00e1pov\u011bdy[ja]<\/a><\/figcaption><\/figure>\n\n\n\n<p>Tato funkce je zalo\u017eena na z\u00e1m\u011bru uchovat d\u016fkazy o smluvn\u00edm vztahu, kter\u00fd je p\u0159\u00ed\u010dinou.<\/p>\n\n\n\n<p>Takto, pokud omez\u00edte \u00fa\u010del aplikace nebo slu\u017eby, stane se jasn\u00e9, co je p\u0159\u00ed\u010dinou p\u0159esunu bod\u016f.<\/p>\n\n\n\n<p>Av\u0161ak, pokud se jedn\u00e1 o slu\u017ebu, kter\u00e1 umo\u017e\u0148uje &#8220;u\u017eivatel\u016fm prov\u00e1d\u011bt libovoln\u00e9 transakce a pos\u00edlat body, pokud ob\u011b strany souhlas\u00ed&#8221;, st\u00e1v\u00e1 se nejasn\u00e9, jak\u00e1 smlouva byla uzav\u0159ena mezi jednotliv\u00fdmi u\u017eivateli a jak\u00e9 jsou d\u016fkazy o uzav\u0159en\u00ed smlouvy. V tomto p\u0159\u00edpad\u011b se st\u00e1v\u00e1 nemo\u017en\u00fdm tvrdit, \u017ee v\u00fdm\u011bna nebo p\u0159esun bod\u016f mezi u\u017eivateli je &#8220;zalo\u017een na konkr\u00e9tn\u00ed smlouv\u011b, pro kterou existuj\u00ed d\u016fkazy&#8221;. A p\u0159esun bod\u016f, u kter\u00e9ho je nejasn\u00e1 p\u0159\u00ed\u010dinn\u00e1 smlouva, se podle definice &#8220;sm\u011bnn\u00e9ho obchodu&#8221; st\u00e1v\u00e1<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><em>\u017d\u00e1dost\u00ed o p\u0159esun pen\u011bz bez p\u0159\u00edm\u00e9ho p\u0159epravy hotovosti mezi r\u016fzn\u00fdmi m\u00edsty pomoc\u00ed syst\u00e9mu pro p\u0159esun pen\u011bz od z\u00e1kazn\u00edka, p\u0159ijet\u00ed t\u00e9to \u017e\u00e1dosti nebo jej\u00ed proveden\u00ed<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>&#8220;\u017d\u00e1dost\u00ed o p\u0159esun pen\u011bz (ne na z\u00e1klad\u011b konkr\u00e9tn\u00ed p\u0159\u00ed\u010dinn\u00e9 smlouvy) jako takovou&#8221;, a tedy je hodnocen jako sm\u011bnn\u00fd obchod, stejn\u011b jako p\u0159evod pen\u011bz v bance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Upozorneni_2_Rychla_konverze_bodu_na_hotovost\"><\/span>Upozorn\u011bn\u00ed 2: Rychl\u00e1 konverze bod\u016f na hotovost<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2019\/08\/shutterstock_29225926-1024x725.jpg\" alt=\"\" class=\"wp-image-3767\" \/><figcaption class=\"wp-element-caption\">Povzbuzen\u00ed k rychl\u00e9 konverzi bod\u016f je tak\u00e9 d\u016fle\u017eit\u00e9 pro podnik\u00e1n\u00ed s vlastn\u00edmi body<\/figcaption><\/figure>\n\n\n\n<p>Pokud jde jen o v\u00fdb\u011br pen\u011bz, jak bylo uvedeno v\u00fd\u0161e,<\/p>\n\n\n\n<p class=\"has-very-light-gray-background-color has-background\">Kdy\u017e pan A koup\u00ed zbo\u017e\u00ed od pana B, jin\u00e1 spole\u010dnost do\u010dasn\u011b p\u0159ijme pen\u00edze od pana A a doru\u010d\u00ed je panu B<\/p>\n\n\n\n<p>Tento akt, pouze pomoc\u00ed &#8220;vlastn\u00edch bod\u016f&#8221;, by m\u011bl rychle doru\u010dit hotovost panu B (nechat pana B rychle konvertovat na hotovost). Mercari, pokud jde o prodej mezi jednotlivci na slu\u017eb\u011b Mercari,<\/p>\n\n\n\n<ol>\n<li>Kupuj\u00edc\u00ed si p\u0159edem koup\u00ed body za hotovost<\/li>\n\n\n\n<li>P\u0159i n\u00e1kupu p\u0159evede body na prodejce<\/li>\n\n\n\n<li>A pak prodejce m\u016f\u017ee tyto body konvertovat na hotovost<\/li>\n<\/ol>\n\n\n\n<p>Operovali s vlastn\u00edmi body t\u00edmto zp\u016fsobem, ale pokud jde o tuto konverzi na hotovost,<\/p>\n\n\n\n<ul>\n<li>4. prosince 2017 (rok 2017) byla stanovena lh\u016fta pro konverzi bod\u016f na 90 dn\u00ed<\/li>\n\n\n\n<li>20. z\u00e1\u0159\u00ed 2018 (rok 2018) byla lh\u016fta pro konverzi bod\u016f prodlou\u017eena na 180 dn\u00ed<\/li>\n<\/ul>\n\n\n\n<p>Bylo ozn\u00e1meno.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2019\/08\/ss-2.png\" alt=\"\" class=\"wp-image-3732\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/jp-news.mercari.com\/2018\/09\/20\/proceeds\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ozn\u00e1men\u00ed od Mercari \u3010D\u016fle\u017eit\u00e9\u3011 Prodlu\u017eujeme lh\u016ftu pro \u017e\u00e1dost o p\u0159evod prodejn\u00edch v\u00fdnos\u016f z &#8220;90 dn\u00ed&#8221; na &#8220;180 dn\u00ed&#8221;[ja]<\/a><\/figcaption><\/figure>\n\n\n\n<p>To lze pova\u017eovat za uv\u011bdom\u011bn\u00ed v\u00fd\u0161e uveden\u00e9ho probl\u00e9mu. Jin\u00fdmi slovy, pokud nejste &#8220;existenc\u00ed, kter\u00e1 v\u00e1m umo\u017e\u0148uje bezpe\u010dn\u011b ukl\u00e1dat pen\u00edze (nebo body bl\u00edzk\u00e9 pen\u011bz\u016fm) na dlouhou dobu&#8221;, ale &#8220;existenc\u00ed, kter\u00e1 v\u00e1m do\u010dasn\u011b umo\u017e\u0148uje dr\u017eet pen\u00edze (body) pro v\u00fdb\u011br pen\u011bz&#8221;, pak omluva &#8220;nejsme banka ani podnik na p\u0159evod pen\u011bz&#8221; nebude platit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shrnuti\"><\/span>Shrnut\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Takto, pr\u00e1vn\u00ed p\u0159edpisy se ob\u00e1vaj\u00ed obchodn\u00edch sch\u00e9mat, kter\u00e1 nut\u00ed u\u017eivatele k n\u00e1kupu bod\u016f vyd\u00e1van\u00fdch vlastn\u00ed firmou nebo k jejich v\u00fdm\u011bn\u011b\/p\u0159esunu mezi u\u017eivateli, s t\u00edm, \u017ee pokud se stane existenc\u00ed podobnou bance, m\u011bla by se \u0159\u00eddit p\u0159\u00edslu\u0161n\u00fdmi pr\u00e1vn\u00edmi p\u0159edpisy.<\/p>\n\n\n\n<p>Jin\u00fdmi slovy, v souvislosti s t\u00edmto t\u00e9matem existuje tendence, \u017ee &#8220;pokud se sna\u017e\u00edme zv\u00fd\u0161it pohodl\u00ed pro u\u017eivatele, pr\u00e1vn\u00ed p\u0159edpisy se zp\u0159\u00edsn\u00ed&#8221;. Nap\u0159\u00edklad i v p\u0159\u00edpad\u011b \u010dasov\u00e1n\u00ed v\u00fdm\u011bny za hotovost, kter\u00e9 jsme zm\u00ednili v\u00fd\u0161e, by bylo norm\u00e1ln\u00ed myslet si<\/p>\n\n\n\n<p class=\"has-very-light-gray-background-color has-background\">Nenutit u\u017eivatele k rychl\u00e9 v\u00fdm\u011bn\u011b za hotovost, ale umo\u017enit jim to, kdy\u017e si to sami p\u0159ej\u00ed<\/p>\n\n\n\n<p>To by m\u011blo b\u00fdt &#8220;dobr\u00e9&#8221; pro u\u017eivatele v smyslu &#8220;pohodl\u00ed&#8221;. Av\u0161ak toto pohodl\u00ed poskytuje u\u017eivatel\u016fm pob\u00eddku k &#8220;udr\u017een\u00ed bod\u016f jako bod\u016f&#8221;, co\u017e vede k roz\u0161\u00ed\u0159en\u00ed \u0161kod, kter\u00e9 u\u017eivatel\u00e9 utrp\u00ed, pokud dan\u00e1 spole\u010dnost zkrachuje. Pr\u00e1vn\u00ed p\u0159edpisy se toho ob\u00e1vaj\u00ed.<\/p>\n\n\n\n<p>Obchodn\u00ed sch\u00e9ma vyu\u017e\u00edvaj\u00edc\u00ed body vyd\u00e1van\u00e9 vlastn\u00ed firmou nevyhnuteln\u011b vy\u017eaduje:<\/p>\n\n\n\n<ul>\n<li>Syst\u00e9m, kter\u00fd u\u017eivatele nut\u00ed k n\u00e1kupu t\u011bchto bod\u016f<\/li>\n\n\n\n<li>Pohodl\u00ed pro u\u017eivatele<\/li>\n\n\n\n<li>V\u00fdm\u011bnu nebo p\u0159esun bod\u016f mezi u\u017eivateli<\/li>\n\n\n\n<li>Syst\u00e9m pro v\u00fdm\u011bnu za hotovost<\/li>\n<\/ul>\n\n\n\n<p>P\u0159i tomto je t\u0159eba zv\u00e1\u017eit, jak\u00fd design by m\u011bl b\u00fdt proveden, aby nebyly \u017e\u00e1dn\u00e9 pr\u00e1vn\u00ed probl\u00e9my. Toto t\u00e9ma je skute\u010dn\u011b &#8220;na \u0161pi\u010dce&#8221; pr\u00e1vn\u00edch probl\u00e9m\u016f pro IT a startupy, jak dokazuje i zm\u011bna politiky spole\u010dnosti Mercari v letech 2017 a 2018. Optim\u00e1ln\u00ed n\u00e1vrh bodov\u00e9ho syst\u00e9mu v konkr\u00e9tn\u00edm obchod\u011b by m\u011bl b\u00fdt proveden spole\u010dn\u011b s pr\u00e1vn\u00ed firmou, kter\u00e1 m\u00e1 know-how v t\u011bchto oblastech.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V p\u0159\u00edpad\u011b webov\u00fdch slu\u017eeb nebo aplikac\u00ed se m\u016f\u017ee st\u00e1t, \u017ee u\u017eivatel\u016fm p\u0159id\u011blujeme &#8220;body&#8221;. A podobn\u011b. Takov\u00e9 bodov\u00e9 syst\u00e9my umo\u017e\u0148uj\u00ed jednoduch\u00e9 p\u0159esuny &#8220;bod\u016f&#8221; na m\u00edst\u011b &#8220;pen\u011b [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":62597,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[24,28],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60953"}],"collection":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/comments?post=60953"}],"version-history":[{"count":2,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60953\/revisions"}],"predecessor-version":[{"id":62598,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60953\/revisions\/62598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media\/62597"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media?parent=60953"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/categories?post=60953"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/tags?post=60953"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}